I want to start a shuttle using my own car but I think thats a different type of insurance than I already have. I am wondering how much it will increase for what I want to do.
2007-03-18 04:49:07 · 6 answers · asked by no justice no peace 1 in Cars & Transportation ➔ Insurance & Registration
Any type of business that involves transporting people for a fee is going to require a commercial auto policy. Your personal auto policy specifically states that this is not covered. Each state is different on what the minimum liability limits are for the type of business. Also, some states and policies do not cover your auto for personal use if it is on a commercial policy so make sure if you are using it to run errands when your not working (IE. going to the store) to let your agent know, they should be able to endorse the policy so you have coverage when your not driving for work.
Good luck in your new business!!
2007-03-18 10:44:12 · answer #1 · answered by Michele T 3 · 0⤊ 0⤋
In our neck of the woods, insurance for a pizza driver is less than 10% higher than regular "driving to work" insurance. Insurance for a taxi is approximately 4 times as high. There is much greater liability exposure for a taxi. Tais drive longer distances for longer hours, and injured pizzas require a lot less medical treatment than injured people.
2007-03-18 19:08:30 · answer #2 · answered by Fred C 7 · 1⤊ 0⤋
best is to check with your insurance company, a simple phone call to them and they should be able to tell you how much more.
from what I know and understand, this should fall under the same insurance a pizza delivery driver has. normally only a few bucks more per month. its cause the vehilce is used for business, not just driving.
PS - just watch the tag (license plate) side......in Ohio, a vehicle used for biz like this, they charge you plate fee by the weight of the vehicle. Tags can get into the few hundred mark easy, yearly.
2007-03-18 11:53:32 · answer #3 · answered by Anonymous · 0⤊ 1⤋
i think you could get by with liability only but it would be best if you talked it over with you insurance company first
2007-03-18 11:56:39 · answer #4 · answered by screamin_demon_1200 1 · 0⤊ 0⤋
You would have to purchase a commercial policy.
2007-03-18 15:15:09 · answer #5 · answered by bundysmom 6 · 0⤊ 0⤋
call ur agent...its much more !
2007-03-18 12:07:17 · answer #6 · answered by Anonymous · 0⤊ 0⤋